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Maine health insurance
As an individual, you will be aware of the tremendous increase in health care costs in recent times. For this reason, it is very important for you to have a health insurance plan ready to enable you to tide over costs that you may need to face suddenly. If you are a resident of Maine, go through the section below. You will get a comprehensive idea about your options in health insurance.
If you are a resident of Maine, you have a guaranteed right to purchase health insurance. An insurance carrier cannot deny you insurance because of your age or health status. The carrier may impose a 12 month exclusionary period on the individual. However, the carrier may not charge you higher premiums because of your health status or your gender.
Individual and family health plans
As an individual, you have an option between HMO, PPO, high deductible or catastrophic plans. Under an HMO, you have to avail of the services of providers within the network. You can use specialists after getting a referral from a primary care physician.
PPO plans allow you to go for providers outside the network for an additional cost. The difference between PPO plans on the one hand and HMO, POS plans on the other is that PPO plans offer you a network of hospitals and doctors. You do not have to get referrals from primary care physicians to see specialists.
Catastrophic or high deductible health plans charge high deductibles and monthly premiums that are quite low. When you are going for a high deductible plan, you have to pay for all your medical costs until they reach the level of your deductible. Then the carrier starts paying for the services.
Group health plans under Maine
Insurance carriers offering health insurance plans must offer plans to groups having between 2 and 50 members. Group health insurance plans may be provided to all employees and no differentiation can be made on the basis of the age and health status of the members of the group. The premiums that are to be paid depends on a number of considerations- the employers contribution and the members of the group being some of them.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Maine. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Maine Medicaid plans
Medicaid plans are also offered in the state of Maine. It is offered under MaineCare. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Maine also offers the SCHIP or state children’s health insurance program under the name CubCare. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Maine Health Insurance Carriers
Our service is the best way for you to secure the most suitable Maine health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Maine Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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